Confirmation statement made on 1 February 2022 with no updates In the App you can view each of your plans in the My Credit Plans section, this will show you the purchase date, the purchase value and the outstanding balance. You can still use all of the Buy Now, Pay Later plans to help you spread the cost of your purchases. The new processes have been agreed and implemented by all banks to help protect their customers from online fraud. Why am I asked to call you when I try to log in? It depends how much you can pay off towards a plan and when your plans were started. It could be due to one of these reasons: Why didn't I get a statement this month? Some older browsers may no longer work for security reasons, so you should make sure your browser is the latest version. If so, please share below! If you don't respond to this communication, your account will be suspended and you won't be able to keep using your Argos Card. How do I log in? If you're on a mobile device, make sure your signal is ok and that you have the data available to download a PDF (they're about 400KB each). How can I see if I have a Direct Debit set up? I don't think I'm in Persistent Debt. Of course! Can I repay more than my Direct Debit each month? Argos Networks is an Internet hosting and development company. Our Management / Governance. What should I do? Can I pay online using my Argos Business Account card? Can I reset my security details if my email address is incorrect? Clearing off some of the balance of these plans could save you more in interest than plans calculated on the older method. Their service is available over the phone, through their website and via webchat. We want to help. 9.2K Posts. National Debtline also helps people to budget and look for ways to increase their income. We use some essential cookies to make our services work. AGM 2022. Payments can sometimes take up to 5 working days to show on your account depending how you make the payment (see here for more info). potential We may be able to offer you support and we'll look at the options available to help you keep up with repayments. Debit Card - Hme Rtl Grp Cards. 91% of users have reported this charge as As outlined within our complaints procedure, if youre unhappy with our final response to your complaint, you can ask the Ombudsman for an independent review. And your priority payments - Rent/mortgage, Council Tax, and household bills, will always come first. You can - just enter your Card number and expiry date from your final Argos Card. How do I make a payment? If you can confirm that you're able to increase your monthly payments or repay your balance in full, we will be able to remove the suspension on your account. This means it may take longer than usual for you to receive mail from us or for us to receive anything you send to us in the post during this time. However, if we do need to contact you we will ask some security questions before we can access your account. Next statement date 1 February 2023 due by 15 February 2023. For example, let's say you have a Normal Credit balance of 500 on your Argos Card with an interest rate of 34.9% APR and you don't make any other purchases. Argos.ie has thousands of fantastic products for you to choose from. Privacy hub|Privacy policy|Cookies policy|List of cookies|Cookie preferences|Terms & conditions. You need to continue to make payments manually, until you see confirmation on your statement. If you get in touch, we'll ask you about your income and outgoings so you can feel confident you're only repaying what you can really afford. There could be different reasons for this, please refer to your most recent statement. This would mean you will pay no interest at all. or you could always give your order number if you have it handy. .tg .tg-0lax { REMEMBER: If you pay off your Buy Now Pay Later Plan IN FULL before it ends you won't be charged any Deferred Interest on the plan balance. No, you need to let us know that you want to do this via text message or by calling our dedicated helpline. Noticed this morning that a card payment I made in Argos on Friday has come out again today, just rang Natwest who have said that Argos have been experiencing problems and there have been numerous calls today from customers stating that money has come out of their account twice. Argos Limited 2022. It is for 20. Increasing your monthly payment means that you'll be paying less in interest, fees and charges, and you'll be repaying your balance faster. Email: complaint.info@financial-ombudsman.org.uk. You can change your phone number and email address in the App, and you can change your address, phone number and email address on myargoscard.co.uk. If you can afford to pay more each month, you will pay off your balance quicker and you'll pay less interest. Last updated on July 31, 2021. Could be one of a number of reasons: Can I register an expired Argos Card so that I can manage my account? I.e. Enter your debit card number so that we can check that it's one we accept, then - if you have more than one plan on your account - choose one of the options: NOTE: Always make sure that you pay your minimum payment against Normal Credit before making payments against any other plans or you may incur late fees and more interest. Under the new rules, you have 18 months from receiving the first letter to move your account out of Persistent Debt. Paying as much as you can before the plan ends will reduce the amount of interest that you pay. VJ. Call charges may vary please check with your provider. Results, Reports and Presentations. We will then use any additional amount you have paid to first pay off balances to which the highest rate of interest applies on (i) to (v) below, followed by the balances at the next highest interest rate and so on. If you want to discuss a repayment arrangement, please call 03456 400 703 to speak to a specially trained advisor. This is so that you can either confirm that you're still able to make increased monthly payments, or so that you can let us know if your circumstances have changed. Your credit limit and remaining balance can be found on your statement, on the App or by logging into this website. Next accounts made up to 6 March 2023 If I've got a Fixed Amount Direct Debit, what happens if the balance shown on my statement is less than the Fixed Amount? If you have the My Argos Card App or an online account, please use these services to view your statement or to make a payment. How do I get past it? leave out the first number, which is 6. If you've forgotten all of your login details, give us a call and we'll help OR download the My Argos Card App and manage your account on your phone or tablet. Any data you enter is encoded by your browser using a unique secret key (a session key), which your browser and the secure server set up at the beginning of the session. They give advice on important debts such as rent or mortgage arrears and support if creditors take court action. Innovation; Innovation; Argos Innovation Center; Projects; National help line and fax; USA: 1(888)567 66 29 Colombia: 01 8000 522021 How quickly is it set up? Credit is provided by NewDay Ltd, a company registered in England and Wales with registered number 7297722, registered office: 7 Handyside Street, London, N1C 4DA. I thought I was paperless so why have I received a paper statement? Give us a call on 0345 640 0700 to discuss this in confidence. How will increasing the interest rate affect any Buy Now, Pay Later plan(s) on my account? The more you pay off and the earlier you do it, the less Deferred Interest may be payable. I've recently changed my name. If you've received a letter from us about this issue, then your account meets that definition and you need to consider taking action by increasing your monthly payments. Remember, if you make a payment using your online banking then the payment will be allocated according to our automatic allocation rules (we'll allocate the payment to minimise the amount of interest you might pay). If you need a VAT receipt, contact our helpful Customer Services team. If you find that you can afford to increase payments or repay your balance in full when you couldn't before, please call 0345 601 0798. When will my latest statement appear online? 5 March 2022, Next statement date 1 February 2023 I made a payment to a plan but the payment has gone towards a different plan. I've been in contact with you and chosen an option, but my circumstances have changed. Interest is calculated based on the amount outstanding at the end of the plan from the date you took it out. I've forgotten my login details. Estimated Interest is the amount of interest you might incur if you only pay your minimum payment before your next statement. Why is that? I've sent a text to opt out of the interest rate increase, but I haven't had a response. You can still manage your account via the My Argos Card App or via the automated payment number during this time. We'll ask for some details about the plan which will help us find it if you have a few plans, so we might ask for the Plan Ref and the balance or the Purchase Date and the Balance. Your additional Card holder cannot register their Card on either myargoscard.co.uk OR on the My Argos Card App. Were sorry to hear youre having issues with your Argos Card. We will do everything we can to minimise any disruption and get our services back to normal as quickly as possible. If you already have Adobe Reader or equivalent, make sure your PDF software is up-to-date. Confirmation statement. Other lenders will be able to see it and use this information to decide whether to lend money to you or give you credit. If you've forgotten your Login ID but you know your Memorable Word, go HERE. Find out more about Persistent Debt here. Just give us a call on 03456 400 700 and we'll investigate the transaction for you. When you get in touch with us, we will make a note of which option you've chosen and monitor your account to make sure that you're paying what you need to. Check that you have no security software running that might be blocking the PDF from downloading. You can only change your payment/statement date a limited number of times. Usually things get back to normal quickly but sometimes the situation can get worse and positive action is required - the remedies are often simple. How do I update my account? Why has one of my plans disappeared? If you decide not to pay off the plan by the end date, we'll move the remaining amount to your Normal Credit balance. How do we apply your payments? Argos Limited is an active company incorporated on 13 November 1972 with the registered office located in Milton Keynes, Buckinghamshire. To maintain a quality of service, calls may be monitored or recorded. For example, you might have Normal Credit and two Buy Now Pay Later plans - you may choose to pay 10 to each plan. I've sent a text to opt out of the interest rate increase and received an error message. Bank Statement: A bank statement is a record, typically sent to the account holder every month, summarizing all the transactions in an account throughout the time from the previous statement to . PS. If you can, you should try to take action to move your account out of Persistent Debt. If you don't have sufficient funds in your account, then your Direct Debit might fail. Ready Mix Plants. If you think this is happening to you or someone you care about, here's how to get help. Struggling to pay your bills? You've accepted analytics cookies. We use Secure Sockets Layer (SSL) protocol for managing your encrypted session and 128 bit encryption, which is why the latest versions of web browsers are needed to register for and use this service. I've recently changed my name. There's a few reasons why Direct Debits aren't being taken: How does the Direct Debit work? Persistent Debt is where a customer has paid more in interest, fees and charges in an 18 month period, than they have towards paying for the item they originally bought. Open the link and your statements will appear at the top of the page. dedicated help page for more information. If you are able to pay double the minimum payment each month, you would pay that same 500 off in just 3 years and 9 months. We're here to help if you've recently lost someone close to you. If you have a Buy Now Pay Later plan due to expire next month then we'll also include how much deferred interest might be incurred on it if you don't pay off any more of your balance. If you haven't registered you will need to do that first, and you can do that HERE, If you've forgotten your Login ID, go HERE. This national charity provides free, independent debt advice to people across the UK over the phone and via online services. If you've sent us a text but haven't received either a confirmation or error message, call us on 0345 608 0152 so we can make sure your request has been logged and start the closure process. To be able to manage these costs, we need to take this action now. Why? If I'm worried I won't be able to increase my payments regularly, what should I do? Coming here to MyArgosCard.co.uk, or downloading and registering for the My Argos Card App, where you can manage your account and make payments, Calling our automated payment system on 03456 400 700. How quickly is it set up? It is on a card that I don't really use and I can't remember if I bought anything for 20 that day. If your payment card is from one of those banks then you will either need to use a different payment card (issued by a different bank) OR make a payment another way for the time being until we can resolve the issues we're having. Can I pay off my Argos Card balance faster? your email address). Use the [back to top] links to get back to the full list of questions if you need to. I have never heard of them. Find out more about Persistent Debt here. So Visa Debit, MasterCard Debit and Maestro are accepted methods of payment but AmEx and MasterCard or Visa Credit are not. If you want to change your Direct Debit amount or change the date on which you want your Direct Debit to be collected you'll need to give us a call on 03456 400 700. Please continue to make payments by an alternative method until your direct debit is set up. What's Verified by Visa and MasterCard SecureCode? What are my options if I don't want the interest rate on my account to increase? When you've cleared your balance, we will then close your account. You can change your Login ID later if you want to. You will be charged interest on this amount which will be backdated to the date of purchase. The amount you owe and the payment due date are shown in your statement each month as well as on your account summary on myargoscard.co.uk and in the My Argos Card App. The more you've spent, the higher your balance will be, and the more you will need to increase your repayments to clear your balance within a reasonable period. How will Brexit affect the services I receive for my Argos Card? What do I do? Your statements are stored in 'View statements' on the left-hand side when you log in. Dont worry you don't need another receipt. If I've registered for the My Argos Card App, am I registered for myargoscard.co.uk? To accept or reject analytics cookies, turn on JavaScript in your browser settings and reload this page. suspicious. If your account has had a zero balance for a while we don't send you statements anymore. If you have any difficulties making your payments please contact us on 0345 601 0798 as soon as you can so we can help you. What do I do? The credit card charge ARGOS RETAIL GROUP INTERNET GB was first recorded on April 05, 2015. We want to resolve your complaint straightaway and were often able to do this on your first contact with us. You may also fall into 'persistent debt' (see Persistent Debt below) meaning we need to take steps to encourage you to pay more. Why does the letter say I am? It's also a choice you need to make, to increase your payments and resolve this situation or not. 12 if you do not make your minimum payment on time; 12 for a returned payment, for example, a failed Direct Debit. The Financial Ombudsman Service exists to help resolve complaints and disputes as an impartial adjudicator, within the existing law. This website is run by Argos Limited. Help others avoid a potential confusion by commenting! You can set a 'hint' when you register to jog your memory if you forget it. We'll try to provide you with help that's clear, practical and easy to understand. Why is that? We need to tell you something important about your account so we've sent a paper statement in addition to your paperless copy to make sure you get it and to remind you to read it. Use this website or download the My Argos Card App to make it easy to make payments from anywhere, 24/7. Where (i) to (v) are at the same rate of interest, balances will be paid off in the following order: (i) Interest; and then (ii) Charges and/or fees; and then (iii) Outstanding balance of Normal Credit including any missed scheduled Fixed Payment Plan(s) and Interest Free Plan(s) monthly scheduled instalments; and then (iv) Any outstanding balances on the other Payment Plans in the order of Buy Now Pay Later Plan(s), Fixed Payment Plan(s) and any Interest Free Plan(s); and then (v) Any other amounts that have been added to your account since the previous statement date. Registered office: 25 Gresham Street, London EC2V 7HN. If so, please share below! 13 Aug 1999. If you're using browsers older than Chrome 28, Firefox 27, Microsoft Edge 12, Safari 7. Visit their website. If you wish to make a complaint you can do so by making contact through any of the channels listed here: We hope to resolve issues as soon as were informed. We'll take the balance shown on your statement balance if this is less than the Fixed Amount. All in all made my move less stressful and so much easier. 30/3 month plan length = 10 charged each month for three months. Bank Statement Templates. If we've not been able to do that by the end of the third business day after we've received your complaint, we'll communicate to you to acknowledge this is being investigated further. Please don't reply to the error message because this won't register on our system.